The Reserve Bank is looking to revamp its rules for retail bank mortgage lending and plans to bring in debt to income ratio (DTI) restrictions mid-way through 2024. But what is debt to income ratio, and how can it affect me as a first home buyer, homeowner or property investor?
LENDING
Everything you need to know about home loan structures, lending, interest rates and more to put your best foot forward with the banks regarding your lending.
Learn how you can cut 20 years off your mortgage without increasing regular repayments and as a result, pay a lot less in interest, saving you hundreds of thousands of dollars.
In this article, you’ll learn how you can achieve the lowest interest rate with your bank and how you can save on your mortgage in the current market, with two simple strategies. Many kiwis are currently coming off low fixed term interest rates and are about to refix at a
When will interest rates go down in the current market? In this article, we’ll give you three tips on how to predict whether interest rates are going to go up or down.
If you're wanting to secure a mortgage while you’re self-employed then listen up as this blog is for you! If you are self-employed and have a self-employed income; you may be wondering; how can I make the bank see that I actually have enough income to pay my bills so I that can afford a mortgage?
If you're trying to get the maximum amount of home loan interest savings and are wanting some certainty around your mortgage repayments, you may be wanting to fix it. But how long should you fix it for? In this article, we’re going to give you four pro tips to help you figure out how long to fix your mortgage for so that you can get the maximum amount of savings on your mortgage repayments as possible, so that you can outsmart the bank when it comes to refixing your mortgage. Pro tip number four is going to save you hundreds of thousands of dollars, so pay close attention to this one!
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In this article, you’ll learn how you can achieve the lowest interest rate with your bank and how you can save on …
When will interest rates go down in the current market? In this article, we’ll give you three tips on how to predict whether interest rates are going to go up or down.
If you’re thinking that there is A LOT going on in the property market at the moment, you’re right. House prices are down, interest rates are up, and we have a new government whose policies aim to make owning rental properties a bit easier. During a time like this when house prices are down, you may be wondering whether it’s a good time to buy an investment property to build up your wealth. But how do you know?
What is happening in the housing market right now? Is it on its way up? Is it still on a downward trajectory or is it staying the same? And what on earth does this mean for me? In this article we are going to be talking about what's happening right now in the housing market and what Jeff is seeing from his perspective. We’ll also be talking about what opportunities you can be looking forward to, and what you can be doing right now to prepare to make the most of those opportunities.
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